Property and manufacturing producing bad loans for ANZ 27 May 2009 4:40PM Ian Rogers The rise in past due loans at ANZ is concentrated in personal lending, and presumably in the credit card book, the bank's "pillar 3" disclosures for the March 2009 quarter show.Of the net rise of $536 million in past due loans, $580 million was represented by personal loans.The bank may expect to recover most of these in time. Personal lending accounted for only a fifth of the rise of $1.2 billion, to $3.9 billion, in impaired loans over the six months to March 2009.About a third of the net rise in impaired loans emerged in property services and also construction. Impaired loans to manufacturing also increased by about $180 million to $345 million.The rise in impaired loans was more pronounced in New Zealand, where they roughly doubled over six months to A$530 million. In Australia impaired loans increased to $3.2 billion from $2.2 billion.